[M2inOR]

Missing from the discussion so far, is to be sure you ha 2 factor authentication.

I've had Fidelity for 7+ years.

Username, complicated password, and 2 factor authentication. Additionally, I get an alert anytime the account is accessed.

I have one account linked to Citizens First Bank, and a Fidelity credit card account linked to pay the monthly bill.

That account only has a small amount available for cash transfers. The other accounts are otherwise locked and require unlocking for any transfers.

Talk to Fidelity to make sure you are using all the available security features.